BBVA ndi chiyani?
BBVA (Banco Bilbao Vizcaya Argentaria) ndi imodzi mwamabungwe akuluakulu azachuma komanso odziwika padziko lonse lapansi, omwe ali ku Spain ndi mayiko ena ambiri. Ntchito zake zosiyanasiyana zamabanki zikuphatikiza kuthekera kosinthira, kumayiko ndi kumayiko ena, m'njira yabwino komanso yabwino. M'nkhaniyi, tiyang'ana pa kufotokoza momwe mungasamutsire ku BBVA ndi kumveketsa kukayika kulikonse kwaukadaulo komwe kungabuke panthawiyi Njirayi.
Chifukwa chiyani kusamutsa ku BBVA?
Pali zifukwa zambiri zomwe anthu amasankha kugwiritsa ntchito BBVA kusamutsa ntchito. Choyamba, BBVA ndi banki yodalirika yomwe ili ndi mbiri yolimba m'zachuma. Kuphatikiza apo, nsanja yake ya digito ndi pulogalamu yam'manja imapereka chidziwitso chosavuta komanso chosavuta kugwiritsa ntchito, ndikuwongolera kusamutsa. Ubwino wina wofunikira ndi mitundu yosiyanasiyana yosamutsa yomwe BBVA imapereka Makasitomala anu, kuchokera kusamutsidwa kwaulere kunyumba kupita kumayiko ena ndi mitengo yampikisano.
Njira yosinthira ku BBVA
Njira yosinthira ku BBVA imatha kusiyanasiyana kutengera mtundu wakusamutsa womwe mukufuna kupanga. Choyamba, ndikofunikira kukumbukira kuti BBVA imapereka njira zosiyanasiyana zosinthira: kudzera papulatifomu yake yapaintaneti, kunthambi yakubanki kapena kugwiritsa ntchito mafoni. Nthawi zonse, muyenera kukhala ndi data yofunikira, monga nambala ya akaunti ya wopindula ndi nambala ya IBAN (Nambala ya Akaunti ya Banki Yapadziko Lonse), kuti malizitse kusamutsa moyenera.
Tikukhulupirira kuti nkhaniyi ikhala chitsogozo chothandizira kusamutsa ku BBVA nthawi yonseyi, tiyankha mafunso omwe amafunsidwa pafupipafupi ndikupereka chidziwitso chofunikira kuti muthe kusamutsa bwino komanso motetezeka. Nthawi zonse kumbukirani kuyang'ana ndi BBVA kapena kuwunikanso zolemba zake kuti muwonetsetse kuti muli ndi zidziwitso zaposachedwa komanso zolondola. Tiyeni tiyambe kusamutsira ku BBVA bwino!
1. Zofunikira kuti musamuke ku BBVA
Kuti muthe kusamutsidwa ku BBVA, ndikofunikira kutsatira zofunikira zina zomwe zimatsimikizira chitetezo ndi magwiridwe antchito. Chimodzi mwazofunikira kwambiri ndikukhala ndi akaunti yogwira ndi BBVA. Ngati mulibe akaunti kubanki, muyenera kupita kunthambi ndikutsata njira yotsegulira akaunti.
Chofunikira china ndikufikira ku banki yapaintaneti ya BBVA. Izi zikutanthauza kuti muyenera kulembetsa muakaunti yakubanki yapaintaneti ndikukhala ndi zidziwitso (dzina lolowera ndi mawu achinsinsi) pafupi. Ngati mulibe mwayi wofika papulatifomu, muyenera kupita ku Website ya BBVA ndikumaliza kulembetsa.
Pomaliza, Ndikofunikira kukhala ndi chidziwitso chonse cha wopindula. Izi zikuphatikiza dzina lanu lonse, nambala ya akaunti ndi nambala yozindikiritsa banki. Zambirizi ndizofunikira kuti kusamutsa kukhale kopambana ndikufikira wolandila wolondola. Onetsetsani kuti muli nazo zonsezi pa dzanja musanayambe kutengerapo ndondomeko.
2. Kufikira pa nsanja ya BBVA pa intaneti
Malo osinthira pa intaneti a BBVA amakupatsani mwayi wosinthira mwachangu komanso mosatekeseka popanda kupita kunthambi yeniyeni. Kulowa papulatifomu ndikosavuta ndipo kumakupatsani mwayi wowongolera kusamutsa kwanu bwino kuchokera ku chipangizo chilichonse ndi mwayi wopezeka pa intaneti. Kenako, tikufotokozerani zoyenera kuchita kuti mulowe papulatifomu ndikusamutsa bwino.
Choyamba, pitani patsamba lovomerezeka la BBVA ndikuyang'ana njira ya "kubanki yapaintaneti" mu menyu yayikulu. Dinani njira iyi ndipo mudzatumizidwa ku tsamba lolowera. Pamenepo, muyenera kulowa dzina lanu lolowera ndi mawu achinsinsi kuti mupeze akaunti yanu.
Kamodzi mukalowa mu akaunti yanu, fufuzani njira yosinthira pa intaneti mu main menu. Itha kukhala mu gawo la mautumiki kapena malipiro. Dinani panjira iyi ndipo nsanja yosinthira pa intaneti ya BBVA idzatsegulidwa.
3. Njira sitepe ndi sitepe kuti musinthe pa BBVA
Gawo 1: Pezani akaunti yanu ya BBVA
Chinthu choyamba chomwe muyenera kuchita kuti musamutsire ku BBVA ndikulowa muakaunti yanu yakubanki kudzera patsamba kapena pulogalamu yam'manja. Lowetsani dzina lanu lolowera ndi mawu achinsinsi kuti mulowe ndikuwonetsetsa kuti muli m'gawo lazochita.
Gawo 2: Sankhani njira »Choka»
Mukalowa muakaunti yanu, yang'anani menyu yayikulu ndikudina "Chotsani". Pamndandanda wazosankha zomwe zikuwonetsedwa, sankhani njira yomwe ikugwirizana ndi zosowa zanu, kaya ndi kusamutsa kupita nkhani ina kuchokera ku banki yomweyo kapena kupita ku a banki ina.
Khwerero 3: Malizitsani kusamutsa deta
Tsopano muyenera kumaliza zambiri posamutsa. Lowetsani ndalama zomwe mukufuna kusamutsa, nambala ya akaunti komwe mukupita ndi dzina la wopindula. Ndikofunika kutsimikizira kuti deta ndi yolondola musanapitirize. Mukhozanso kuwonjezera kufotokozera kapena lingaliro lomwe limathandiza kuzindikira zomwe zikuchitika.
4. Kutsimikizira ndi chitetezo cha kusamutsidwa ku BBVA
Tetezani ndalama zanu ndikutsimikizira chitetezo chakusamutsa kwanu ku BBVA. M'chigawo chino, mupeza mfundo zofunika ndi malangizo othandiza kusamutsa m'njira yabwino kudzera ku banki yathu. Chitsimikizo ndi chitetezo ndizofunikira kwambiri pazachuma, ndipo ku BBVA timasamala za kukutetezani ndalama zanu ndi zidziwitso zanu.
Kutsimikizira kusamutsa: Musanayambe kusamutsa, ndikofunika kufufuza mosamala zonse. Onaninso zambiri za wolandira, monga dzina lonse, nambala ya akaunti, ndi khodi ya SWIFT/BIC. Ndikofunikiranso kuyang'ana ndalama zomwe zikuyenera kusamutsidwa ndi ndalama zofananira. Kumbukirani kuti zolakwika mu datayi zitha kupangitsa kusamutsa kukhala kovuta kapena kuchedwetsa. Ngati muli ndi mafunso, chonde omasuka kulumikizana ndi kasitomala athu kuti akuthandizeni.
Chitetezo Chosamutsa: Ku BBVA, timagwiritsa ntchito matekinoloje aposachedwa komanso njira zachitetezo kuteteza kusamutsa kwanu. Mabanki athu a pa intaneti ali ndi chitetezo chambiri choteteza zanu ndi zochita. Kuphatikiza apo, timalimbikitsa kugwiritsa ntchito mawu achinsinsi amphamvu ndikuwasintha pafupipafupi kuti mupewe kulowa mosaloledwa. Tikukulimbikitsaninso kuti muyatse zidziwitso zachitetezo kuti mulandire zidziwitso pompopompo zokhudzana ndi zochitika zilizonse zokayikitsa pa akaunti yanu.
5. Malire ndi zolipiritsa zomwe zimayenera kusamutsidwa ku BBVA
BBVA imapatsa makasitomala ake mwayi wosintha njira yotetezeka komanso yothandiza. Mu positi, tikupatsirani zidziwitso zonse zofunika za ndi . Ndikofunikira kumvetsetsa izi kuti muthe kuchita malonda anu moyenera ndikupewa zolepheretsa zilizonse.
Poyambira, ndikofunikira kuganizira malire omwe adakhazikitsidwa pakusintha mu BBVA. Malire awa atha kusiyana kutengera mtundu akaunti yomwe muli nayo komanso tchanelo chomwe mungagwiritse ntchito posamutsa. Mwachitsanzo, ngati mupanga kusamutsa kudzera kubanki yapaintaneti, malire atsiku ndi tsiku akhoza kukhala osiyana ndi omwe amasamutsidwa kunthambi yeniyeni. Ndikoyenera kuyang'ana malire omwe akugwiritsidwa ntchito ku akaunti yanu musanapange kusamutsa kuti muwonetsetse kuti ikukwaniritsa zosowa zanu ndi zomwe mukuyembekezera.
Kuphatikiza pa malire, ndikofunikira kudziwa malipiro okhudzana ndi kusamutsidwa ku BBVA. Mitengoyi imatha kusiyanasiyana kutengera mtundu wakusamutsa womwe mukufuna kupanga, kaya dziko kapena mayiko ena. Ndikoyenera kuwunikanso tsatanetsatane wa mitengoyo patsamba lovomerezeka la BBVA kapena kulumikizana ndi kasitomala mwachindunji. ntchito yamakasitomala kuti mudziwe zolondola komanso zaposachedwa. Kumbukirani kuti maakaunti ena atha kukupatsirani ma transfer aulere kapena mitengo yotsika, ndiye ndi bwino kuunikanso zomwe zili mu akaunti yanu.
Pomaliza, ndi Izi ndi zofunika kwambiri zomwe muyenera kuzidziwa musanapange malonda. Kuyang'ana malire omwe akhazikitsidwa pa akaunti yanu ndi ndalama zomwe zikugwirizana nazo zidzakuthandizani kukonzekera bwino kusamutsa kwanu ndikuwonetsetsa kuti mukuchita bwino. Kumbukirani kuti nthawi zonse muzisunga chitetezo ngati chinthu chofunikira kwambiri mukamachita chilichonse ndipo musazengereze kulumikizana ndi BBVA kuti muthetse mafunso kapena nkhawa zomwe mungakhale nazo.
6. Malangizo opangira kusamutsidwa kumayiko ena ku BBVA
1. Zofunikira: Musanasamutsire mayiko ena ku BBVA, ndikofunikira kukhala ndi zolemba zina kuti mufulumizitse ntchitoyi. Choyamba, onetsetsani kuti muli ndi chizindikiritso chovomerezeka, monga pasipoti kapena ID yanu. Komanso, onetsetsani kuti muli ndi tsatanetsatane wa opindula, kuphatikizapo dzina lawo lonse, nambala ya akaunti ndi SWIFT kapena IBAN code. Ndikofunikiranso kukhala ndi zikalata zina zowonjezera zomwe BBVA yapempha kuti zitsimikizire ntchito yosinthira.
2. Kusankha mtundu wosinthira: BBVA imapereka njira zosiyanasiyana zosinthira kumayiko ena, kutengera zosowa zanu. Njira imodzi ndi SEPA kusamutsa, komwe kumagwiritsidwa ntchito kusamutsa mkati mwa European Union ndi mayiko ogwirizana nawo. Njira ina ndikusintha kwa SWIFT, komwe kumalola kusamutsidwa kupangidwa padziko lonse lapansi. Musanasankhe mtundu wa kusamutsa, ndikofunikira kuganizira ma komisheni ndi nthawi zoperekera zomwe zimagwirizanitsidwa ndi chisankho chilichonse. Kuphatikiza apo, onani ngati kuli koyenera kugwiritsa ntchito nambala inayake ya SWIFT kapena IBAN ku banki ya amene adzapindule.
3. Mabungwe ndi zoletsa: Mukasamutsa mayiko ku BBVA, ndikofunikira kuganizira ma komiti ndi zoletsa zomwe zikugwirizana nazo. Kusamutsa kulikonse padziko lonse lapansi kumanyamula ndalama zina, monga ndalama zosinthira ndalama ndi zolipiritsa za kusamutsidwa kwapadziko lonse lapansi. Komanso, chonde dziwani kuti pali zoletsa pazambiri zomwe zimaloledwa kusamutsidwa kumayiko ena, kotero kusamutsa kangapo kungakhale kofunikira ngati ndalamazo zikupitilira malire omwe adakhazikitsidwa.
7. Njira yothetsera mavuto omwe anthu ambiri amakumana nawo mukasamutsa ku BBVA
Nthawi zina, mukamasamutsa ku BBVA, mutha kukumana ndi zovuta zomwe zingapangitse kuti ntchitoyi ikhale yovuta. Pansipa, tikukupatsirani njira zothetsera zopinga izi.
1. Zolakwika za data: Ndikofunikira kutsimikizira kuti zomwe zalowetsedwa, monga nambala ya akaunti, dzina la wopindula ndi banki yolandira, ndizolondola komanso zaposachedwa. Ngati cholakwika chilichonse chapezeka, muyenera kulumikizana ndi dipatimenti yamakasitomala ya BBVA kuti mufunse kuwongolera koyenera.
2 Malire osamutsa: Pakhoza kukhala malire okhazikitsidwa pa kusamutsa kudzera mu BBVA. Ngati kusamutsa kwanu kupyola malire awa, muyenera kulumikizana ndi banki kuti mupemphe chilolezo kapena kufufuza njira zina zosinthira. Ndikofunikira kukumbukira kuti malirewa nthawi zambiri amakhazikitsidwa kuti atsimikizire chitetezo cha zochitika.
3. Zolumikiza: Ngati pa kulanda ndondomeko mukukumana ndi mavuto kugwirizana, ndi m'pofunika kufufuza intaneti wanu ndi kuonetsetsa palibe zosokoneza. Vuto likapitilira, mutha kuyesa kusamutsa kuchokera ku chipangizo china kapena kulumikizana ndi chithandizo chaukadaulo cha BBVA kuti mupeze thandizo lina.
Kumbukirani kuti, ngati mukukumana ndi zovuta zilizonse posamutsa ku BBVA, muyenera kulumikizana ndi banki kuti mulandire chithandizo choyenera. Mayankho awa adzakuthandizani kuthetsa mavuto ena omwe amapezeka, koma vuto lililonse likhoza kukhala ndi zake zomwe zimafuna chisamaliro chamunthu.
Ndine Sebastián Vidal, mainjiniya apakompyuta omwe amakonda ukadaulo komanso DIY. Komanso, ine ndine mlengi wa tecnobits.com, komwe ndimagawana nawo maphunziro kuti ukadaulo ukhale wofikirika komanso womveka kwa aliyense.